Ngaba isicwangciso somhlala-phantsi se-SEP i-ISRA?
Ngubani Ofuna Ukuseka iSep Sep?
Umvuzo ophezulu ofumana umntu oqeshwe ngumntu ongekho nabasebenzi unokucinga ukuseka i-IRA ye-SEP ukuchasisa imali, ukugcina umhlalaphantsi kunye nokugcina imali kwiirhafu. Kubantu abaqeshwe ngabanye abangenabaqeshwa, qala, thelekisa i-SEP kwi-Individual 401 (k) icebo lokugqiba isicwangciso esilungele zona.
Umntu 401 (k) unokukuvumela ukuba utshintshe phakathi kweRoth 401 (k) (emva kwentela) kwaye rhoqo 401 (k) iminikelo yangaphambili yentlawulo isekelwe kwibhakhti yakho yerhafu. I-SEP yamukela kuphela iminikelo yentlawulo yangaphambili .
Umqeshi ofuna ukuvuza abaqeshwa abathembekileyo unokujonga i-SEP njengenye indlela kwisicwangciso sokwabelana ngenzuzo esesikweni. I-SEP iya kuba neerhafu zokulawula ezantsi, iindleko eziphantsi, kwaye ziguquke.
Unokubanceda njani kwi-SEP?
Unako ukufaka isandla kwi-25% yengeniso yakho eyimali (le ntlawulo yakho yentlawulo emva kweendleko zoshishino) kunye negalelo elingaphezulu kwama-54,000 wamawaka ngo-2017 (i-53,000 zamawaka ngo-2015 no-2016).
Uninzi Kangakanani Ukwabelana Ngezabasebenzi?
Kumele ube negalelo elifanayo lemali engenayo kubasebenzi bakho njengoko uzenzele yona. Ngokomzekelo, ukuba unika i-20% yesibonelelo sakho esifanelekileyo kwisicwangciso kufuneka ube negalelo kumqeshwa ngamnye ofanelekileyo kwisixa semali engama-20% embuyekezo yabo efanelekileyo.
Abasebenzi banelungelo lokunikela ukuba:
- Bakusebenzele ezintathu kwiiminyaka emihlanu edlulileyo
- Ukufumana okungaphezulu kwama-$ 600 ngonyaka ngo-2015, 2016, kunye no-2017 (i-$ 550 ngo-2014)
- Uneminyaka engama-21 okanye ngaphezulu
Unokude ufike kwixesha lokugqibela lokufakela irhafu kunye nezandiso zokwenza igalelo kwi-SEP yakho kunyaka owedlule. I-IRS ineqendu elikhulu kwi-SEP IRAs ezibandakanya imigaqo eyongezelelweyo.
Ubeka njani i-SEP?
Useka i-SEP ngokwenza isivumelwano esibhaliweyo, ukuseka i-SEP kunye neziko elifanelekileyo lemali (njengebhanki, inkampani ye-fund, i-brokerage nkampani okanye umcebisi wezemali) nokuvula i-SEP IRA kumsebenzi ngamnye ofanelekileyo.
Kumele uxelele abasebenzi ukuba usuqulunqe icebo uze ubazise indlela yokufaneleka.
Ukongezelela nayiphi nayiphi na iminikelo yomqeshi, abasebenzi bangenza iminikelo yabo ye-IRA rhoqo kwi-SEP IRA yabo. Ukuncitshiswa kwegalelo labo le-IRA lugxininiswe nemithetho eqhelekileyo yokunciphisa i-IRA, ngokusekelwe kwingeniso yabo eninzi kunye nokuba ngaba bathatha inxaxheba kwicebo elixhaswe ngumqeshi. I-SEP ibalwa njengecebo elixhaswe ngumqeshi.
I-SEP iFlexibility and Benefits
- Abaqeshi abafunwayo ukuba banike umnikelo ngamnye kunyaka, kwaye inani lemali njengempesenti yengeniso iyahlukahluka unyaka nonyaka.
- Akukho fomu yerhafu efunekayo. Ngama-401 (k) cwangcisa ifomu yonyaka yonyaka 5500 kufuneka ifakwe. Oku akufunwa kwi-SEP.
- Umqeshi ukhetha isikhungo semali esilondolozela i-akhawunti ye-SEP, kodwa umqeshwa ngamnye unoxanduva lokukhetha utyalo-mali lwayo ngaphakathi kwe-akhawunti. Oku kunenzuzo kumqeshi njengoko umqeshi engekho uxanduva lotyalo-mali oluphantsi.
SEP Iingxaki
- Abasebenzi bangama-100% anikwe umrhumo womqeshi xa beyenziwe. Akukho shedyuli yokuthengisa inokuqhotyosheliswa kwiinkxaso ze- SEP. Ukuba umqeshwa ushiya umva emva kokuba kwenziwe igalelo, yiyo yabo. Ukongeza, ukuba bayashiya inxalenye yonyaka, ukuba wenza igalelo kulonyaka wekhalenda, kufuneka wenze igalelo kubo ngokusekelwe kwisixa sembuyekezo efanelekileyo abayenayo kuze kube yilapho behamba.
- Kufuneka wenze igalelo elifanayo lepesenti kubo bonke abasebenzi abafanelekileyo. Kwisicwangciso esisabelo esisemthethweni-sabelo-mali, unako ukuhlukanisa abasebenzi kumaqela kwaye unokukwazi ukwenza ixabiso lemali eyahlukileyo yamaqela ahlukeneyo.